Do you want to see a complete review of the Chime Checking account? From Responsible Economy we have carried out an analysis of all the features: fees, interest rate, welcome bonus, requirements and everything you need to know. You also have a comparison of the best checking accounts you can open in the United States in 2023. Welcome!
Video Chime checking account
We have also made a video with all the features offered by the Chime checking account. You can subscribe to support us and receive daily videos.
Features
In this section, we develop the characteristics of the Chime current account.
Monthly fees
There is no annual maintenance fee to pay. It is also not necessary to make any deposit to open the account.
Deposit minimum
It is not necessary to have a minimum balance in the checking account. You can open the account, leave a balance of 0 dollars and not have to pay anything.
Overdraft services
It does not have an overdraft service so if an invoice puts your balance in negative, it will be rejected. You can access the Spotme service to get a $200 overdraft but you must make a direct deposit.
Zelle
Chime does not have Zelle service.
Bonus
Chime does not offer a welcome bonus and it does not matter if you make direct deposits.
ATMs
You have more than 60,000 ATMs to make withdrawals without commissions. Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location and at any Allpoint.
Wires
Chime does not provide information on the cost of wire transfers.
Rates
The Chime Savings account offers 2% APY. This is undoubtedly one of the highest interest rates in the entire United States.
Fees
We have made a list with all the commissions of the Chime checking account:
- Monthly fees: $0
- Overdraft services: $0
- Wire transfers: no information
- Zelle: Does not offer this service
- ATMs: No fees at more than 60,000 ATMs
Requirements
The requirements to open the Chime checking account are the following:
- Live in The United States
- Must be ober 18 years old
- Have a Social Security
- Have an American number
Documents
The documents that chime will ask you to open your checking account are:
- Driver’s license or social security number
- Invoice with your name to verify that you live in the United States
How to open a checking account
Chime is an online bank so the only way to open a checking account is online. You can do it from a mobile phone or a computer. Remember that Chime does not have branches in the United States.
Best checking accounts in 2023
We have made a Chime comparison with the best checking accounts you can open in the United States in 2023:
- It is very easy to avoid monthly commissions
- Welcome bonus of 200 dollars fulfilling conditions
- More than 16,000 ATMs in the United States
- $25 minimum deposit
- Very low interest rates
- It is very easy to avoid monthly commissions
- More than 16,000 ATMs in the United States
- $100 minimum deposit
- No welcome bonus
- High interest rates if you have a lot of savings
- It is very easy to avoid monthly commissions
- Nearly 12,000 ATMs
- $25 minimum deposit
- Welcome bonus of 300 dollars fulfilling conditions
- High interest rates on CDs
- No fees and no requirements
- Nearly 60,000 ATMs
- Welcome bonus of 250 dollars fulfilling conditions
- High interest rates on CDs
- No fees no direct deposits
- Fee-free withdrawals from ATMs around the world
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs
- No fees no direct deposits
- More than 60,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on Savings
- No fees no direct deposits
- More than 50,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs and Savings
- Commissions of $10 if you do not meet requirements
- No fees at Citibank ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs
Video with the best checking accounts 2023
We have made a video with the best checking accounts:
Pros and cons
We have made a table with all the advantages and disadvantages of Chime:
| Pros | Cons |
|---|---|
| No monthly fees | Cash deposit |
| No minimum deposit | No branches |
| More than 60,000 commission-free ATMs |
Frequent questions
Here we answer all the questions you may have about Chime:
Conclusion and opinions
After the review, our opinion is that Chime is a competitive account because it has no fees, no direct deposits are necessary, you can withdraw money at more than 60,000 ATMs without fees, and it offers a 2% APY on your savings account. On the other hand, it does not have a Zelle service and neither does it have a welcome bonus.
More information about chime
We have made a table with information of interest about Chime:
| Information | Description |
|---|---|
| Website | https://www.chime.com/ |
| https://twitter.com/chime | |
| https://www.facebook.com/chime | |
| Phone | 1-844-244-6363 |
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Updated the day 7 March, 2023 by Alfredo Barandiarán
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